Zions Bancorporation

Zions Bancorporation, National Association is a nationally chartered bank and bank holding company headquartered in Salt Lake City, Utah, with roughly $87 billion in total assets. It is a super-regional operating a single national bank charter across seven regional divisional brands - Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington - serving consumers, small business, and commercial/treasury clients across the Western United States. On the open-finance front Zions runs NO public first-party developer API portal: developer.zionsbank.com and api.zionsbank.com do not resolve, and its business digital-banking surface (Treasury Internet Banking at treasurygateway.zionsbank.com) is credential-gated with no published API reference or downloadable OpenAPI. As a large depository institution it is subject to the CFPB Section 1033 Personal Financial Data Rights rule, but Zions has not published a first-party data-access API or a documented FDX-conformant endpoint; consumer-permissioned data sharing in practice reaches Zions through third-party aggregators (Plaid/MX/Finicity/Akoya) rather than a first-party API surface.

Zions Bancorporation is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Super-Regional Bank, and Treasury Management.

Zions Bancorporation’s developer surface includes documentation and 3 more developer resources.

🌐 Visit website 📡 Source on GitHub
3.4/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs
Financial-ServicesBankingUnited StatesSuper-Regional BankTreasury ManagementOpen FinanceData Aggregation

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 3.4/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 1.6 / 17
Access Clarity 0.0 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 4.3 / 9
Regulatory Posture 1.1 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/zions-bancorporation: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Zions Bancorporation Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: zions-bancorporation
url: https://raw.githubusercontent.com/api-evangelist/zions-bancorporation/refs/heads/main/apis.yml
name: Zions Bancorporation
kind: company
description: 'Zions Bancorporation, National Association is a nationally chartered bank and bank holding company headquartered
  in Salt Lake City, Utah, with roughly $87 billion in total assets. It is a super-regional operating a single national bank
  charter across seven regional divisional brands - Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona,
  Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington - serving consumers, small business, and commercial/treasury
  clients across the Western United States. On the open-finance front Zions runs NO public first-party developer API portal:
  developer.zionsbank.com and api.zionsbank.com do not resolve, and its business digital-banking surface (Treasury Internet
  Banking at treasurygateway.zionsbank.com) is credential-gated with no published API reference or downloadable OpenAPI. As
  a large depository institution it is subject to the CFPB Section 1033 Personal Financial Data Rights rule, but Zions has
  not published a first-party data-access API or a documented FDX-conformant endpoint; consumer-permissioned data sharing
  in practice reaches Zions through third-party aggregators (Plaid/MX/Finicity/Akoya) rather than a first-party API surface.'
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Super-Regional Bank
- Treasury Management
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Super-Regional Bank
- Treasury Management
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/zions-bancorporation-domain-security.yml
- type: Website
  url: https://www.zionsbancorporation.com/
- type: Documentation
  url: https://www.zionsbank.com/business/treasury/treasury-internet-banking/
- type: LinkedIn
  url: https://www.linkedin.com/company/zions-bancorporation
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com